Best Cheap Auto Insurance in Baldwin, MI (2021)

The average Baldwin, MI auto insurance rates are $850 per month. The minimum auto insurance in Baldwin is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Baldwin, Michigan, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Baldwin is USAA
  • The minimum auto insurance required in Baldwin, Michigan is 20/40/10
  • The average commute length in Baldwin is 15.6 minutes

Baldwin, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Baldwin can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Baldwin, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Baldwin to other Michigan cities, including Lansing auto insurance rates, Livonia auto insurance rates, and Detroit auto insurance rates to see how Baldwin, Michigan auto insurance rates stack up.

Before you buy Baldwin, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Baldwin, Michigan auto insurance quotes.

Minimum Auto Insurance in Baldwin, Michigan

Baldwin, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Baldwin, Michigan.

Minimum Required Auto Insurance Coverage in Baldwin, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Baldwin, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Baldwin, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Baldwin, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $18,170 $18,170 $17,000 $17,000 $42,994 $42,994 $19,100 $19,100
Farmers $4,190 $4,190 $3,912 $3,912 $9,146 $9,146 $4,702 $4,702
GEICO $3,888 $3,888 $3,952 $3,952 $10,838 $10,838 $3,718 $3,718
Liberty Mutual $14,956 $14,956 $14,804 $14,804 $35,785 $35,785 $14,956 $14,956
Nationwide $4,649 $4,649 $4,126 $4,126 $12,340 $12,340 $5,101 $5,101
Progressive $3,127 $2,929 $2,755 $3,057 $11,435 $12,261 $3,654 $3,425
State Farm $8,070 $8,070 $7,431 $7,431 $27,548 $27,548 $9,450 $9,450
Travelers $4,991 $4,991 $4,282 $4,282 $15,054 $15,054 $5,423 $5,423
USAA $2,753 $2,614 $2,584 $2,444 $6,751 $6,435 $3,367 $3,241

Cheap Baldwin, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Baldwin, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Baldwin, Michigan.

Annual Auto Insurance Rates for Teen Drivers in Baldwin, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $42,994 $42,994
Farmers $9,146 $9,146
GEICO $10,838 $10,838
Liberty Mutual $35,785 $35,785
Nationwide $12,340 $12,340
Progressive $11,435 $12,261
State Farm $27,548 $27,548
Travelers $15,054 $15,054
USAA $6,751 $6,435

Cheap Baldwin, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Baldwin, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Baldwin, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,000 $17,000
Farmers $3,912 $3,912
GEICO $3,952 $3,952
Liberty Mutual $14,804 $14,804
Nationwide $4,126 $4,126
Progressive $2,755 $3,057
State Farm $7,431 $7,431
Travelers $4,282 $4,282
USAA $2,584 $2,444

Cheap Baldwin, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Baldwin, Michigan compared to the annual auto insurance rates with a clean record in Baldwin, Michigan.

Annual Baldwin, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,775 $15,848 $53,138 $16,502
Farmers $4,620 $5,870 $5,800 $5,662
GEICO $1,986 $4,171 $12,588 $3,653
Liberty Mutual $14,339 $17,098 $30,874 $18,190
Nationwide $5,604 $7,485 $6,811 $6,316
Progressive $4,525 $5,927 $5,333 $5,536
State Farm $8,523 $10,124 $21,327 $12,524
Travelers $5,050 $7,190 $11,546 $5,964
USAA $3,034 $3,785 $4,966 $3,309

Cheap Baldwin, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Baldwin, Michigan is not easy. Compare the annual rates for DUI auto insurance in Baldwin, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in Baldwin, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $53,138
Farmers $5,800
GEICO $12,588
Liberty Mutual $30,874
Nationwide $6,811
Progressive $5,333
State Farm $21,327
Travelers $11,546
USAA $4,966

Cheap Baldwin, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Baldwin, Michigan annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Baldwin, Michigan

Insurance Company Poor Fair Good
Allstate $37,235 $20,451 $15,262
Farmers $7,277 $4,779 $4,407
GEICO $7,198 $5,293 $4,307
Liberty Mutual $31,844 $18,386 $10,145
Nationwide $8,224 $6,184 $5,254
Progressive $6,146 $5,173 $4,672
State Farm $21,310 $10,765 $7,299
Travelers $7,622 $7,392 $7,299
USAA $5,662 $3,214 $2,444

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Cheap Baldwin, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Baldwin, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Baldwin, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Baldwin, Michigan

ZIP Code Average Annual Rates
49304 $7,069

Cheap Baldwin, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Baldwin, Michigan auto insurance. Find the cheapest annual Baldwin, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Baldwin, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $24,316 $24,316
Farmers $5,488 $5,488
GEICO $5,471 $5,728
Liberty Mutual $19,417 $20,833
Nationwide $6,554 $6,554
Progressive $5,330 $5,330
State Farm $12,767 $13,482
Travelers $7,395 $7,480
USAA $3,730 $3,817

Cheap Baldwin, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Baldwin, Michigan? Check out the comparison of annual Baldwin, Michigan auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Baldwin, Michigan

Insurance Company Low Medium High
Allstate $23,761 $24,365 $24,821
Farmers $5,352 $5,475 $5,635
GEICO $5,254 $5,552 $5,992
Liberty Mutual $19,708 $20,084 $20,583
Nationwide $6,869 $6,440 $6,353
Progressive $5,160 $5,338 $5,493
State Farm $12,480 $13,204 $13,690
Travelers $7,365 $7,444 $7,504
USAA $3,674 $3,781 $3,865

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Best By Category: Cheapest Auto Insurance in Baldwin, Michigan

Compare the cheapest auto insurance companies in Baldwin, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Baldwin, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Baldwin, Michigan Auto Insurance Companies

What auto insurance companies in Baldwin, Michigan are the cheapest? Compare the top Baldwin, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Baldwin, Michigan

Insurance Company Average Annual Rates
Allstate $24,316
Farmers $5,488
GEICO $5,599
Liberty Mutual $20,125
Nationwide $6,554
Progressive $5,330
State Farm $13,125
Travelers $7,438
USAA $3,773

What affects auto insurance rates in Baldwin, Michigan?

There are a lot of reasons why auto insurance rates in Baldwin, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Baldwin, Michigan. Many local factors may affect your Baldwin auto insurance rates.

Baldwin Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Baldwin, Michigan commute length is 15.6 minutes according to City-Data.

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Compare Baldwin, Michigan Auto Insurance Quotes

Before you buy Baldwin, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Baldwin, Michigan auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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